Mortgageone Rates, Fees & Info
SAN MARCOS, CALEI: 5493002TJKC8NLH1ZP82
Tax ID: 45-4807792
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Mortgage Data
Review & Overview
Mortgageone is a smaller mortgage company specializing in Refi, Home Purchase, and Cash Out Refi loans. Mortgageone has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: San Diego, Los Angeles, Riverside, Phoenix, and Provo among others. We have data for 64 markets. (Some data included below & more in-depth data is available with an active subscription.)Mortgageone has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Mortgageone is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.80% | 4/22/24 |
| 30 Year Conventional Refi | 6.51% | 4/22/24 |
| 30 Year Cash-out Refi | 6.74% | 4/22/24 |
| 30 Year FHA Purchase | 7.08% | 4/22/24 |
| 30 Year FHA Refi | 6.27% | 4/22/24 |
| 30 Year VA Purchase | 6.32% | 4/22/24 |
| 30 Year VA Refi | 5.73% | 4/22/24 |
| 15 Year Conventional Purchase | 5.89% | 4/22/24 |
| 15 Year Conventional Refi | 5.47% | 4/22/24 |
| 15 Year Cash-out Refi | 5.47% | 4/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Mortgageone Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
790Origination Dollar Volume (All Markets)
$364,180,000Awards
MORTGAGEONE - 2021
MORTGAGEONE is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 356 | $181,680,000 | $510,337 | $8,276 | 2.77% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 101 | $54,635,000 | $540,941 | $6,183 | 2.70% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 72 | $31,880,000 | $442,778 | $7,971 | 2.85% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 89 | $30,225,000 | $339,607 | $6,741 | 2.79% |
| PROVO-OREM, UT (FHA|USDA|VA) | 29 | $11,345,000 | $391,207 | $6,123 | 2.86% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 19 | $6,675,000 | $351,316 | $5,066 | 2.80% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 9 | $3,635,000 | $403,889 | $8,386 | 2.90% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 11 | $3,555,000 | $323,182 | $3,417 | 2.85% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $2,760,000 | $690,000 | $10,583 | 2.66% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $2,670,000 | $445,000 | $6,955 | 2.90% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $2,415,000 | $345,000 | $5,747 | 3.03% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,945,000 | $648,333 | $10,856 | 2.79% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,940,000 | $485,000 | $3,265 | 2.63% |
| BEND, OR (FHA|USDA|VA) | 2 | $1,730,000 | $865,000 | $8,489 | 2.88% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $8,378 | 3.13% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $8,959 | 2.66% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $1,650 | 2.44% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $5,084 | 3.22% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $5,820 | 2.94% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $3,208 | 2.54% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $4,210 | 2.94% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $8,436 | 2.25% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $5,883 | 2.81% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $2,981 | 2.63% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $4,740 | 2.69% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,227 | 3.19% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $10,517 | 2.88% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $5,447 | 2.56% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,294 | 2.75% |
| Outside of Metro Areas | 2 | $620,000 | $310,000 | $8,200 | 2.75% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,642 | 2.93% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $9,975 | 3.38% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,573 | 2.58% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,334 | 3.25% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $12,455 | 2.88% |
| SALEM, OR (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $378 | 2.63% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $13,312 | 2.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $13,750 | 2.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,039 | 2.88% |
| MERCED, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,123 | 3.13% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,308 | 3.38% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,269 | 2.38% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,087 | 3.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,121 | 3.13% |
| Susanville, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,367 | 2.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,139 | 2.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $18,499 | 2.50% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,666 | 2.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,196 | 3.25% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,374 | 2.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,959 | 2.88% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,689 | 3.25% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,493 | 2.88% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,739 | 3.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,405 | 2.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,774 | 2.75% |
| Sonora, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,059 | 2.63% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,729 | 2.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,765 | 3.50% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,386 | 3.13% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,104 | 3.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,883 | 2.75% |
| MADERA, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 2.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,834 | 2.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against MORTGAGEONE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| VA | 409 | $204,785,000 | $500,697 | $8,669 | 2.50% |
| Conventional | 379 | $158,715,000 | $418,773 | $5,861 | 3.10% |
| FHA | 2 | $680,000 | $340,000 | $9,928 | 3.19% |
For 2021, Mortgageone's most frequently originated type of loan was VA, with 409 originations. Their 2nd most popular type was Conventional, with 379 originations.
Loan Reason
For 2021, Mortgageone's most frequently cited loan purpose was Refi, with 371 originations. The 2nd most popular reason was Home Purchase, with 241 originations.
Loan Duration/Length
For 2021, Mortgageone's most frequently cited loan duration was 30 Year, with 743 originations. The 2nd most popular length was 15 Year, with 26 originations.
Origination Fees/Closing Costs
Mortgageone's average total fees were $7,474, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 319 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 294 | $133,750,000 | $454,932 |
| <2.5% | 277 | $133,795,000 | $483,014 |
| 3-4% | 217 | $95,295,000 | $439,147 |
| 4-5% | 2 | $1,340,000 | $670,000 |
During 2021, Mortgageone's average interest rate for loans was 2.81%, while their most frequently originated rate bucket for loans was 2.5-3%, with 294 originations.
Loan Sizing
2021 saw Mortgageone place emphasis on $400k-600k loans with 330 originations, totaling $161,600,000 in origination value.
Applicant Income
Mortgageone lent most frequently to those with incomes in the $50k or less range, with 231 originations. The second most popular income band? $100k-150k, with 180 originations.
Applicant Debt to Income Ratio
Mortgageone lent most frequently to those with DTI ratios of 30-36%, with 77 originations. The next most common DTI ratio? 20-30%, with 77 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.80%
Mortgageone has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination74.05%
Mortgageone has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 790 | $364,180,000 | $460,987 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| MORTGAGE CENTER, LC | FHA mortgage | Closing on a mortgage | 1 | 100.0% |